On this page13 sections
- Ratings and complaints
- USAA vs. competitors
- Pricing
- Step by step
- Does USAA insure motorcycles?
- USAA motorcycle insurance legitimacy and licensing
- How much USAA motorcycle insurance costs
- What USAA motorcycle insurance covers
- Complaints and how to avoid problems
- Who should skip it
- What customers say
- Alternatives
- FAQ
USAA motorcycle insurance is a Progressive policy sold through the USAA Insurance Agency, which earns a commission; USAA's footnotes say these third-party products are not underwritten by USAA or its affiliates. That is not a bad deal: Progressive is rated A+ (Superior) by AM Best and offers a full set of motorcycle coverages, and USAA members save 5%. The catch is that your claims and service run through Progressive, not USAA, so USAA's own reputation for service does not apply. Get a quote through USAA and one straight from Progressive, since Progressive also lists USAA membership as an association discount.
Your options
- Who insures you
- Progressive; USAA says third-party products sold by the USAA Insurance Agency are not underwritten by USAA or its affiliates1
- Member savings
- USAA says members save 5% through its alliance with Progressive; not all discounts are available in all states1
- Who can get the USAA discount
- USAA members: the military, veterans and their eligible family members; buying the Progressive policy does not make you a USAA member3
- Advertised starting price
- Progressive advertises motorcycle insurance from $75 a year for liability on one motorcycle, excluding state fees and taxes, not available in DC4
- Average liability-only cost
- $151.40 a year in Pennsylvania to $365.24 in Delaware at Progressive, May 2025 to April 20265
- Insurer strength
- AM Best affirmed Progressive's A+ (Superior) financial strength rating, stable outlook, on May 1, 20267
- Phone
- Progressive agents for USAA members: 1-888-530-2683, Monday to Friday 7 a.m. to 7 p.m. CT, Saturday 8 a.m. to 6 p.m. CT1
- Classic and custom bikes
- USAA also refers members to Foremost for vintage bikes 20+ years old and some modified bikes; not available in all states1
Pros
- 5% member savings on a Progressive policy
- Progressive is rated A+ (Superior) by AM Best
- Full coverage menu, including accessories, riding gear and total loss
- Small claim forgiveness and accident forgiveness included as standard
- Dedicated Progressive phone line for USAA members
Cons
- Not a USAA policy; claims and service run through Progressive
- USAA earns a commission on each sale
- The 5% savings needs USAA membership
- Progressive's Trustpilot score is 1.2 out of 5
- Discounts and coverages vary by state
Best for: USAA members who want a Progressive motorcycle policy with a 5% member discount and one place to start the quote.
Skip it if: You want a policy underwritten and serviced by USAA itself, which USAA does not offer for motorcycles.
USAA vs. competitors
| Company | Who can buy | Insurer | Discounts named on its site | Next step |
|---|---|---|---|---|
| USAA (through Progressive) | USAA members: military, veterans and eligible family | Progressive, not USAA | 5% member savings, safety course, multiple motorcycle and ATV, responsible driver | Visit site |
| Progressive (direct) | Anyone | Progressive | Quote in advance, multi-policy, association member (USAA or Harley Owners Group), safety course, pay in full, responsible driver | Visit site |
| GEICO | Anyone | GEICO | Transfer, renewal, safety course, mature rider, multi-policy | Visit site |
Motorcycle insurance companies we reviewed
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USAA This review BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: USAA members who want a Progressive motorcycle policy with a 5% member discount and one place to start the quote. -
Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI or other mark on their record, and shoppers who want to compare several prices online or buy through an independent agent. -
GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Good drivers, drivers with poor credit, and military or federal employees who are comfortable buying and managing a policy online. -
State Farm BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. -
Dairyland BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Price-focused riders, including those with tickets or little insurance history, who want a low premium and agent help. -
Nationwide BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers who want an agent, plan to bundle home and auto, and will use SmartRide or SmartMiles to bring the price down. -
Allstate BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers and homeowners who want a local agent, plan to bundle several policies and are willing to pay more for that service.
USAA pricing at a glance
Progressive average liability-only motorcycle premiums, May 2025 to April 20265
| What | Amount |
|---|---|
| Lowest state average (Pennsylvania) | $151.40 a year ($12.62 a month) |
| Highest state average (Delaware) | $365.24 a year ($30.44 a month) |
| Advertised starting price | $75 a year, liability for one motorcycle, excluding fees and taxes |
| USAA member savings | 5% |
| Accessories coverage included with comprehensive and collision | $3,000, more available |
These are Progressive averages for liability only. Adding comprehensive, collision, accessories or injury coverage raises the price. Your rate depends on your state, age, riding record, bike and coverage choices.
USAA, step by step
Start a quote at USAA or Progressive
Start from USAA's motorcycle page or Progressive's USAA member page; either way the quote is written by Progressive.
Have your details ready
You need the VIN or the year, make and model, the names of everyone who rides the bike, and basic information about yourself.
Pick coverage
Liability is standard; add comprehensive and collision, uninsured motorist, medical payments, roadside help or total loss coverage as needed.
Progressive underwrites and issues the policy
Progressive decides whether to insure you and at what price, then services the policy and handles claims.
Manage and renew with Progressive
Payments, ID cards, changes and claims go through Progressive's app, site or phone line.
Does USAA insure motorcycles?
Not directly. USAA sells motorcycle insurance through the USAA Insurance Agency’s alliance with Progressive. USAA’s disclosures say the agency contracts with insurers that are not affiliated with USAA, that these third-party products are not underwritten by USAA or its affiliates, and that the agency receives a commission on each sale or renewal. In practice you get a Progressive policy, Progressive decides your price, and Progressive handles your claims.
USAA says it has worked with Progressive for over 30 years and that members save 5% through the alliance. Progressive says hundreds of thousands of USAA members have added Progressive coverage. Buying the policy does not make you a USAA member.
USAA motorcycle insurance legitimacy and licensing
Yes. It is a standard Progressive policy. AM Best affirmed the A+ (Superior) financial strength rating of Progressive’s insurance companies, including Progressive Casualty, Progressive Northern and Progressive Specialty, with a stable outlook on May 1, 2026. Progressive says it is the No. 1 motorcycle insurer, based on market share data from Ratefilings.com.
Service reviews are another matter. Progressive’s Trustpilot score was 1.2 out of 5 from 1,971 reviews in October 2026, mostly about premium increases, claim handling and phone waits, while its app averaged 4.8 out of 5 in the App Store. If you have a complaint you cannot resolve, your state insurance department handles complaints about insurers.
How much USAA motorcycle insurance costs
USAA does not publish motorcycle prices. Progressive says its average liability-only motorcycle policy cost from $151.40 a year in Pennsylvania to $365.24 a year in Delaware between May 2025 and April 2026, and it advertises liability for one motorcycle from $75 a year before fees and taxes. Full coverage costs more.
Your price depends on where you ride, the age and experience of every rider, violations and claims, the bike and how you use it, and the coverage you pick. USAA lists discounts for a motorcycle license endorsement, a clean record, a safety course and insuring more than one bike. Progressive also lists discounts for quoting at least a day ahead, bundling, paying in full and switching from another insurer.
What USAA motorcycle insurance covers
Standard on every policy: bodily injury and property damage liability, a genuine manufacturer parts guarantee, small claim forgiveness and accident forgiveness. Optional: Comprehensive. Covers non-crash damage such as theft, fire, vandalism and weather. Compare motorcycle insurance companies and collision, accessories coverage, carry-on personal items, disappearing deductibles, enhanced injury protection, medical payments, roadside assistance and trip interruption, total loss coverage, and uninsured and underinsured motorist coverage.
- Accessories: $3,000 included when you add comprehensive and collision; Progressive sells up to $30,000.
- Riding apparel: Progressive covers damaged gear up to $3,000 in a covered collision.
- Trip interruption: up to $500 for food, lodging or transportation.
- Enhanced injury protection: up to $250 a week for up to 2 years if you cannot work, plus a $25,000 death benefit.
- Total loss: pays full retail value for a new bike, minus your deductible, if it is totaled while still eligible.
The same coverage applies to ATVs and UTVs. For vintage or heavily modified bikes, USAA points members to Foremost.
What customers say about USAA
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Price for members who stack the 5% savings with other discounts
- Wide coverage menu, including accessories and riding gear
- Highly rated Progressive app
- Accident forgiveness and disappearing deductible options
Common complaints
- Members expecting USAA service and getting Progressive
- Premium increases at renewal
- Slow or denied claims
- Long phone waits
Complaints and how to avoid problems
The most common frustration is expecting USAA’s service and finding that Progressive runs the policy. Progressive’s reviews focus on renewal price increases, claim delays or denials, and phone waits.
- Ask the agent which Progressive company issues your policy and save the policy documents.
- Get a direct quote from Progressive too, and make sure the USAA association discount appears on whichever quote you choose.
- Check the accessories limit if you have custom parts, since only $3,000 is included.
- Report claims to Progressive, not USAA.
- If a claim stalls, file a complaint with your state insurance department.
Who should skip it
If you chose USAA because of its own claims service, its motorcycle offer will not give you that, since Progressive handles everything. If you are not a USAA member, there is no reason to go through USAA; quote Progressive directly and compare GEICO and others. Owners of vintage or custom bikes may get better terms from a specialty program such as Foremost.
Alternatives to USAA
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Same insurer; Progressive lists USAA membership as an association discount, so compare its direct quote with the USAA quote.
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Open to anyone, with mature rider and safety course discounts; worth a quote if you are not a USAA member.
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Another insurer to quote if you are not a USAA member; its coverage is underwritten by a member of the Sentry Insurance Group.
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Foremost through USAA
Better for vintage bikes 20 or more years old and some modified bikes, where available.
Next steps
USAA reviews
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Frequently asked questions
Does USAA offer motorcycle insurance?
USAA sells it through the USAA Insurance Agency, but the policy is from Progressive. USAA says these third-party products are not underwritten by USAA or its affiliates.
Who underwrites USAA motorcycle insurance?
Progressive. The USAA Insurance Agency contracts with Progressive and earns a commission on each sale or renewal.
How much do USAA members save on motorcycle insurance?
USAA says members save 5% through its alliance with Progressive. Other discounts, such as safety course and multi-bike discounts, can apply, and not all are available in every state.
How much is USAA motorcycle insurance?
USAA does not publish prices. Progressive's average liability-only motorcycle policy ran from about $151 to $365 a year by state from May 2025 to April 2026, and full coverage costs more.
Who do I call to file a USAA motorcycle claim?
Progressive handles claims. USAA lists 1-888-530-2683 for Progressive agents who serve USAA members, and Progressive offers 24-hour online claims.
Do I have to be in the military to get USAA motorcycle insurance?
To get the USAA member savings, you need to be a USAA member, which is open to the military, veterans and their eligible family members. Anyone can buy a Progressive motorcycle policy directly.
Does USAA motorcycle insurance cover ATVs and dirt bikes?
Yes. USAA's motorcycle page says the coverage also applies to ATVs and UTVs, and it lists collision and total loss options for dirt bikes.
Does USAA motorcycle insurance include roadside assistance?
Roadside assistance is an optional add-on. You can also add trip interruption, which pays up to $500 for food, lodging or transportation if you break down away from home.
Is USAA or Progressive cheaper for motorcycle insurance?
They are the same insurer. Progressive lists USAA membership as an association discount on its own quotes, so compare the USAA-started quote with a direct Progressive quote and pick the lower one.
Does USAA cover vintage or custom motorcycles?
USAA refers members to Foremost for vintage bikes 20 or more years old and some modified bikes. These plans are not available in all states.
Sources (10)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- USAA: Motorcycle insurance (accessed October 12, 2026)
- Progressive: USAA members (accessed October 12, 2026)
- USAA: Home page (membership) (accessed October 12, 2026)
- Progressive: Motorcycle insurance (accessed October 12, 2026)
- Progressive: How much is motorcycle insurance? (accessed October 12, 2026)
- Progressive: Motorcycle insurance discounts and coverages (accessed October 12, 2026)
- InsuranceNewsNet: AM Best affirms credit ratings of The Progressive Corporation (May 1, 2026) (accessed October 12, 2026)
- Trustpilot: Progressive (accessed October 12, 2026)
- Progressive: Motorcycle coverages (accessed October 12, 2026)
- GEICO: Motorcycle insurance (accessed October 12, 2026)
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